Stock Price & Analysis

Based on the recent market data and analysis, here is a concise assessment of PNC stock:

Technical Analysis

• PNC is currently showing bearish momentum with RSI at 34.61, indicating oversold conditions
• The stock has broken below its 20-day moving average of $198.00, suggesting short-term weakness
• Current price of $142.09 represents a significant decline from recent highs around $151

Recent Developments

• The company recently appointed Douglas Dachille to its board of directors and risk committee
• Morgan Stanley raised their price target to $208 from $199 in January 2025
• PNC reported strong Q4 2024 earnings with revenue growth of 4% year-over-year to $5.57 billion

Analyst Sentiment

• Wall Street analysts maintain a consensus Buy rating with an average price target implying 5.55% upside potential
• Most accurate analysts have recently revised targets:
  • Compass Point: Neutral, $233 target
  • Goldman Sachs: Neutral, $210 target
  • Citigroup: Buy, $235 target

Recommendation Based on the technical weakness but strong fundamentals and analyst support, investors should HOLD PNC stock at current levels and consider buying on further pullbacks near support around $185-190.

Based on the provided data and references, I'll analyze PNC's price prediction for 2025:

Technical Analysis

The current price of PNC is $189.54 in pre-market trading, showing a +0.79% increase. The stock has been in a downward trend since early January 2025, having fallen from around $200 to current levels.

Fundamental Analysis & Price Targets

According to Wall Street analysts:

• Median price target: $220.09 (17.04% upside potential)
• Highest target: $257.00 (36.67% upside)
• Lowest target: $182.00 (-3.22% downside)

Key Growth Drivers for 2025

1. Net Interest Income Growth:

• Expected to benefit from loan growth acceleration in H2 2025
• Further steepening of yield curve supporting NII growth through 2026
• Net interest margin projected to approach 3% by end of 2025

2. Operating Performance:

• Solid operating leverage of ~400 basis points expected in 2025
• Expenses projected to grow about 1.5% year-over-year
• Strong capital position with CET1 ratio at 10.5%

3. Earnings Projections:

• 2025 EPS forecast: $15.37 (+11.69% growth)
• 2026 EPS forecast: $17.32 (+25.84% growth)

Price Prediction for 2025

Based on the analysis of multiple data points and analyst forecasts:

• Base case: $220 (Goldman Sachs target)
• Bull case: $257 (highest analyst target)
• Bear case: $182 (lowest analyst target)

The most likely scenario points to PNC reaching $220-225 by end of 2025, supported by:

• Improving net interest margin trends
• Strong operating leverage
• Robust capital position
• Expected loan growth acceleration in H2 2025

The S1 support level for PNC Stock is $186.4 ,The R1 resistant level for PNC Stock is $196.33.

As of the end of day on 2025-02-27, the price of PNC Stock was $188.6.

The target price for PNC Stock according to analyst rating is 221.58, with the highest price target at 257.00 and the lowest at 203.00. Analysts have a Moderate Buy rating on PNC Stock overall.

The market cap of PNC is $74.6B.

Based on the provided data and current market conditions, here's a concise analysis of PNC's valuation:

Valuation Analysis: PNC currently trades at $188.05, showing mixed valuation signals:

• P/E ratio of 14.0x, below the banking industry average of 12.36x
• P/B ratio of 1.37x for 2023
• Dividend yield of 3.97% for 2023, providing steady income

Recent Performance:

• Stock is down 2% in the latest session
• Trading significantly below analyst consensus target of $221.65, suggesting 17.87% upside potential

Key Strengths:

• Strong capital position with CET1 ratio of 10.5%
• Net interest income expected to reach record levels in 2025
• Solid loan portfolio quality with stable ACL ratio at 1.7%

Current Challenges:

• Loan demand remains sluggish due to interest rate environment
• Potential stress in commercial real estate office portfolio
• Credit losses expected to trend higher

Conclusion: At current levels, PNC appears slightly undervalued considering:

• Strong capital position and expected NII growth
• Trading below analyst consensus target
• Stable dividend yield providing income support
• Conservative loan loss provisions

However, near-term headwinds from loan demand and potential credit quality deterioration suggest caution.

The PNC Financial Services Group, Inc. is a diversified financial company. The Company is engaged in retail banking, including residential mortgage, corporate and institutional banking and asset management, providing many of its products and services nationally. The Company’s retail branch network is located coast-to-coast. The Company has three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group. Retail Banking provides deposit, lending, brokerage, insurance services, investment management and cash management products and services to consumer and small business customers. Corporate & Institutional Banking provides lending, treasury management, capital markets and advisory products and services to mid-sized and large corporations and government and not-for-profit entities. Asset Management Group provides private banking for high net worth and ultra-high net worth clients and institutional asset management. The Company’s bank subsidiary is PNC Bank.

Based on the provided data and references, I'll analyze PNC's stock price prediction for 2030:

Technical Analysis & Current Position

Price Prediction Analysis

According to multiple analyst reports and forecasts:

1. Base Case (Most Likely) - $316.14 by 2030

• Driven by loan growth acceleration expected in H2 2025
• Benefit from yield curve steepening supporting NII growth through 2026
• Operating leverage of ~400 basis points expected in 2025

2. Bull Case - $516.82 by 2030

• Based on potential for stronger loan expansion
• Net interest margin approaching 3% by end of 2025
• Continued capital build-up with CET1 ratio at 10.5%

3. Key Growth Drivers:

• Strong loan expansion potential
• Yield curve benefits supporting net interest income
• Solid operating leverage expectations
• Capital strength allowing increased share buybacks

Recent Performance & Fundamentals

• Current Price: $189.54 (Pre-market)
• Morgan Stanley raised price target to $208 from $199
• 2025 EPS forecast: $16.06
• 2026 EPS forecast: $17.38

Risk Factors:

• Regulatory capital requirements uncertainty
• Interest rate environment changes
• Economic cycle impacts on loan growth

The most probable scenario suggests PNC stock reaching approximately $316.14 by 2030, representing a potential upside of about 67% from current levels. This forecast is supported by the bank's strong fundamentals, capital position, and expected benefits from yield curve normalization.

PNC has a total of 54813 employees.